How do you reading this respond to this comment on Youtube?

“It’s more than that. There are regulations in place to avoid predatory lending. There are regulations in place so banks have to educate the lenders and stay within their budgets. We cannot assume that all people understand they are paying beyond their means, and we should be able to see the lack of knowledge in the American people after this year’s election. Regulations are in place to PROTECT your money, and they are in place so we don’t have to keep bailing out the banks. I am tired of billionaires getting a free ride.”